PC Money Account fees
The PC Money Account has no monthly fee and unlimited everyday transactions. The February 2026 chart is the list of optional fees, including a $10 non-sufficient funds fee, a $3.50 fee to cancel an Interac e-Transfer, and a $20 yearly inactivity fee.
Last updated: October 19, 2026
Last checked: Oct 2026
What stays free
Opened 19 October 2026. President's Choice Bank provides the PC Money Account. The February 2026 optional service fee chart says there is no monthly fee and that everyday transactions are unlimited. In store purchases, online purchases, withdrawals at PC Financial ATMs, and bill payments are Free. Sending and receiving an Interac e-Transfer are Free. The foreign exchange transaction fee is Free. Mastercard sets the conversion rate on the day President's Choice Bank processes the transaction. How to get the PDF is on how to download a PC Financial statement.
Upload the statement on Expenvo. The PDF stays on your device. Expenvo lists the lines. It does not sign in to the bank, and it does not move the money.
Optional fees on the February 2026 chart
Amounts are in Canadian dollars. Use this chart, not an older one. The non-sufficient funds amount on this chart is $10.00.
| Fee | Amount | What the chart adds |
|---|---|---|
| Non-sufficient funds | $10.00 | Charged when a transaction is rejected because the account does not have enough money. Charged on every presentment and re-presentment, not more than once in a 2 business day period, and not if the transaction would overdraw the account by less than $10.00. |
| Domestic ATM that is not a PC Financial ATM | $1.50 | A withdrawal at a PC Financial ATM is Free. |
| International ATM on the Mastercard network | $3.00 | Separate from the foreign exchange line, which is Free. |
| Cancel an Interac e-Transfer | $3.50 | Only if the recipient has not deposited it. It may be cancelled within 30 days of sending. |
| Optional overdraft protection fee | $5.00 a month when overdraft is used | Quebec residents: $0.00. Interest on an overdrawn balance is 19% a year, calculated daily and charged monthly. |
| Bill payment trace | $15.00 | A request to look into a bill payment that already completed. |
| Bill payment recall | $24.00 | A request to try to cancel a bill payment after it has completed. |
| Rush card replacement | $5.00 | Separate from the ordinary replacement row. |
| Card replacement | First one each calendar year is free. The second is $5.00. | Standard delivery. The chart says the fee is for the second replacement card ordered in that calendar year. |
| Printed copy of a previous statement | $5.00 | A paper copy of an older statement. |
| Inactivity | $20.00 a year | The account is inactive if you have not made a transaction for 12 months. To avoid it, you start a monetary transaction at least once every 365 days. |
| Assisted transaction with a customer service representative | $1.00 per transaction | The chart lists this as its own row. |
Questions
- Does the PC Money Account have a monthly fee?
- The February 2026 chart says there is no monthly fee, and that in store purchases, online purchases, PC Financial ATM withdrawals, and bill payments are free.
- How much is the PC Money NSF fee?
- The February 2026 chart says $10.00. It is not charged more than once in a 2 business day period, and it is not charged if the transaction would overdraw the account by less than $10.00.
- Can I cancel a PC Money Interac e-Transfer for free?
- Sending and receiving are free. Cancelling one that has not been deposited, within 30 days, is $3.50 on the February 2026 chart.
Sources
Related guides
Free is $0 USD. The PDF stays on your device.